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AreWeDrunkYet posted:https://twitter.com/Billbrowder/status/925416890750652416 Would something like this actually make the US government do something about bitcoin? Could the government essentially ban all banks and businesses from handling cryptocurrency? Even if they could, I kind of doubt our current government would actually do anything though.
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# ? Oct 31, 2017 20:27 |
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# ? Jun 7, 2024 17:30 |
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Most banks already pretty much ban bitcoin activity on sight, except in very limited cases like the poster earlier who was helping a customer cash out.
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# ? Oct 31, 2017 20:37 |
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Happy Halloween! Have a spooky derail bird! Also, here is some BWM: https://www.reddit.com/r/tifu/comments/794hj1/tifu_by_panic_buying_almost_1000_worth_of_concert/ quote:TIFU by panic buying almost £1,000 worth of concert tickets
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# ? Oct 31, 2017 21:42 |
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Always ask for the money up front, or get your friend to buy them from stubhub and pay them back.
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# ? Oct 31, 2017 22:31 |
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quote:Surely £1000 of drugs is far less of a waste of money than this
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# ? Nov 1, 2017 02:02 |
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Meh as other posters mentioned at least she can sell them at a small loss now to minimize the hurt. Eating 200 pounds now is a hell of a lot better than eating 500 later beause people know she's desperate. Fortunately they're a big enough band where I imagine she will be okay but god drat I would be pissed if I was her husband because slowly chipping away at debt is such hard work and being set back can be devastating. Such naive optimism. "It's only money."
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# ? Nov 1, 2017 02:06 |
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At least you can probably flip drugs for the same amount. And then you can get involved with the pinnacle of GWM: Bitcoin!
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# ? Nov 1, 2017 03:17 |
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From Reddit, the font of infinite content... https://www.reddit.com/r/personalfinance/comments/7a4oaf/i_gross_almost_13000month_and_it_seems_like_i/ I gross almost $13,000/month and it seems like I rarely have any money. You would think I could "make it rain" with my salary but I can't. When people hear how much I make, they think I'm super rich. We live in a modest home, I drive a modest truck. The wife has a SUV. In reality, I get about half of that money because A. Taxes are a bitch B. I put 15% into my 401K C. My family insurance is $800/month You can also add $1,400/month for child support because I was married before and had two children. I remarried to a woman who had a child from a previous marriage whom I adopted, and we have two together. Our mortgage+home insurance is $1,400. My wife's vehicle note is $700. Luckily mine is paid off. Private school tuition for 2 kids is $1,000/month. Add in food, electricity, cell phones, car insurance and other odds and ends(soccer, dance), we're lucky to have a couple hundred dollars left over. We rarely eat out, don't have all the latest gadgets. Wife stays at home with the baby so she's unable to work(and daycare costs are outrageous). I don't know why I'm posting this. I guess to vent. Maybe someone could point me in any direction, or words of encouragement? Drunk Tomato fucked around with this message at 20:04 on Nov 1, 2017 |
# ? Nov 1, 2017 18:56 |
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Drunk Tomato posted:From Reddit, the font of infinite content... "I live in a nice house, have two late model expensive vehicles, will have a comfortable retirement, well educated kids that will take care of me in old age, and I support my family and my ex-wife on a single income. Woe is me"
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# ? Nov 1, 2017 19:10 |
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"Here's my budget, help my family is dying." "Buy less privilege." "No."
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# ? Nov 1, 2017 19:16 |
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Talk about first world problems!
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# ? Nov 1, 2017 19:17 |
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Here's another first world problem for ya Why go through all the trouble of copying and pasting everything, throwing in some formatting and all that, while forgetting to include a link to the actual post? Reading others' replies (and op's responses) is often the real meat of those posts
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# ? Nov 1, 2017 19:28 |
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KingSlime posted:Here's another first world problem for ya Here you go. https://www.reddit.com/r/personalfinance/comments/7a4oaf/i_gross_almost_13000month_and_it_seems_like_i/ code:
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# ? Nov 1, 2017 19:32 |
https://www.reddit.com/r/personalfinance/comments/7a4oaf/i_gross_almost_13000month_and_it_seems_like_i/ e:f;b
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# ? Nov 1, 2017 19:33 |
Droo posted:Here you go. Oh wow look how much my life sucks
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# ? Nov 1, 2017 19:36 |
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Drunk Tomato posted:From Reddit, the font of infinite content... Isn't the 401k limit $18,000 per year? That's what google tells me. 15% of $13,000 is $23,400 for the year, so that's $5,400 I just saved this guy. Unless he's counting 401k plus Roth IRA, I think that would cover both. Again though, if his employer matches anything at all into his 401k, he could be putting in less money per month. He may actually be hurting himself there. I had a boss who was trying to max out his 401k and was dumping tons of money in per paycheck. Our employer did a match, and would deposit money every month. My boss reached the limit in November. Well once you reach your limit, the employer also can't match anything, so he lost out on some matching money. Our employer also gave out 401k bonuses, but if you hit your limit, you couldn't take that money either. Private school tuition at $500 per month per kid is a steal too.
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# ? Nov 1, 2017 19:36 |
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KingSlime posted:Here's another first world problem for ya First world butthead
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# ? Nov 1, 2017 19:40 |
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NUKES CURE NORKS posted:Oh wow look how much my life sucks He has everything he wants with some money left over each month. The car that's being paid off will eventually be paid off and the same goes for the house. Then add on a comfortable retirement and he's still complaining. This comment sums up the situation pretty well. quote:Poor OP, paying for private school and an SUV that costs more than a minimum wage earner lives on for an entire year. It's just so hard to get by. After all the money he spends on food and luxuries for his family he barely has enough for.. even more loving luxuries. The poor thing.
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# ? Nov 1, 2017 20:00 |
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Bird in a Blender posted:Isn't the 401k limit $18,000 per year? That's what google tells me. 15% of $13,000 is $23,400 for the year, so that's $5,400 I just saved this guy. Unless he's counting 401k plus Roth IRA, I think that would cover both. Again though, if his employer matches anything at all into his 401k, he could be putting in less money per month. He may actually be hurting himself there. I had a boss who was trying to max out his 401k and was dumping tons of money in per paycheck. Our employer did a match, and would deposit money every month. My boss reached the limit in November. Well once you reach your limit, the employer also can't match anything, so he lost out on some matching money. Our employer also gave out 401k bonuses, but if you hit your limit, you couldn't take that money either.
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# ? Nov 1, 2017 20:04 |
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Bird in a Blender posted:Private school tuition at $500 per month per kid is a steal too. Well duh, they're probably on a needs-based scholarship. Have you seen how little money they have? I usually dislike all the grief upper-middle class people get, but seriously THIS guy. Devian666 posted:He has everything he wants with some money left over each month. The car that's being paid off will eventually be paid off and the same goes for the house. Then add on a comfortable retirement and he's still complaining. Eventually kids from 1st family will turn 18 and he won't have to spend anymore money on them. 2nd family kids are better anyway.
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# ? Nov 1, 2017 20:05 |
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Bird in a Blender posted:Isn't the 401k limit $18,000 per year? If your company doesn’t offer 401k matching and your payroll software auto-stops contributing once it hits the 18k limit, it doesn’t matter what percent you set it to as long as it’s high enough. You’ll just see a different amount on your paycheck after it maxes out and stops withholding. EDIT: Also, I’m not sure he qualifies for a Roth IRA. The income restriction is per person, not household, right? Colin Mockery fucked around with this message at 20:12 on Nov 1, 2017 |
# ? Nov 1, 2017 20:09 |
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Colin Mockery posted:EDIT: Also, I’m not sure he qualifies for a Roth IRA. The income restriction is per person, not household, right? IRA income limits are household income if you are married and filing jointly. Contribution limits still apply per person, but each married person can max out an IRA. So married couple with an AGI under $186,000 can each contribute $5500 to a Roth IRA, for a combined contribution of $11,000. Additionally, contributions don't have to come from a specific person's income, so a stay at home parent can still max their IRA with their spouse's income. Someone correct me if I'm reading the rules wrong. I should get straightened out since I am getting married next year . Guinness fucked around with this message at 20:23 on Nov 1, 2017 |
# ? Nov 1, 2017 20:19 |
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Drunk Tomato posted:First world butthead In fairness, he's seemingly spending all that money on his family. Being able to stay at home and not work a day job is an enormous luxury, but it's a luxury for his wife, not for him. The private schools are a luxury, but they're a luxury for his kids, not for him. There's no boat payment on that budget. The ridiculously expensive car payment is for his wife's car, not his Corvette or Lexus. He's not heading down to the Outer Banks to go golfing. Yeah, there's definitely something clueless about expecting that he should be able to raise a bunch of kids with a wife who doesn't contribute financially, including one who isn't even his own, and still have a bunch of money left over. But he's providing for a large family, by himself doing it successfully, and saving money. No doubt that's a serious loving grind, but that's not being a butthead.
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# ? Nov 1, 2017 20:21 |
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Betcha he describes himself as middle class. edit: $1000/month for private school for two kids is pretty drat "cheap" Very good chance his kids would be getting a better education by choicing them into whatever is the best school in the area and gaming the system so they get into the gifted programs. n8r fucked around with this message at 20:29 on Nov 1, 2017 |
# ? Nov 1, 2017 20:27 |
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Bird in a Blender posted:Isn't the 401k limit $18,000 per year? That's what google tells me. 15% of $13,000 is $23,400 for the year, so that's $5,400 I just saved this guy. Unless he's counting 401k plus Roth IRA, I think that would cover both. Again though, if his employer matches anything at all into his 401k, he could be putting in less money per month. He may actually be hurting himself there. I had a boss who was trying to max out his 401k and was dumping tons of money in per paycheck. Our employer did a match, and would deposit money every month. My boss reached the limit in November. Well once you reach your limit, the employer also can't match anything, so he lost out on some matching money. Our employer also gave out 401k bonuses, but if you hit your limit, you couldn't take that money either. I think My employer does a true up at the end of the year so you get the full matching even if you hit the max early and the 401k bonus should apply to the combined limit not the individual contribution limit anyway. What am I missing?
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# ? Nov 1, 2017 20:31 |
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n8r posted:Betcha he describes himself as middle class. he is middle class. hope this helps.
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# ? Nov 1, 2017 20:38 |
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https://www.reddit.com/r/personalfinance/comments/7a08cq/petland_screwed_me_over/ Petland screwed me over quote:My gf and I went to petland to get a puppy. We didnt have any money to put down but we were willing to finance if necessary. We found a dog we thought was perfect but it had a fat 2 grand price tag. We decided we could afford to pay it off if the monthly fee and interest was low. Of course the sales man at petland was talking like a car salesman attempting to get us in and out as soon as possible. He found a financing company that would loan us 3000 and he told us it would be 174 a month. Okay that is doable. I went to computer and my dumb rear end e-signed a document taking his word for it. So fast forward to today, we have our puppy and we love her to death but I was charged two payments in one month that was automatically taken out when I got paid (since I get paid biweekly). I call the finance company and they informed me I agreed to biweekly payments...well that sucks but at least we will have her paid off sooner. I had the rep email me the contract and once I recieved it I found that there was 144% annual interest....6 loving grand on top of the 3 grand agreement... 9 grand for this pup!! So now we are basically screwed for the next 2 years unless I can do something about it sooner. Do any of you have any experience negotiating with finance companies? Can I reduce the interest by paying more in advances via taxes or student loans or even extra off the paycheck. I know this is my fault but live and learn I suppose...thanks
Teeter fucked around with this message at 20:43 on Nov 1, 2017 |
# ? Nov 1, 2017 20:39 |
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What's the usury rate in their state? 145%?
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# ? Nov 1, 2017 20:44 |
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Teeter posted:https://www.reddit.com/r/personalfinance/comments/7a08cq/petland_screwed_me_over/ Lol. Pound dogs are like $100-200 and that typically includes the initial vet report and shots.
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# ? Nov 1, 2017 20:45 |
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Part of me says there are laws against predatory lending practices but they probably don’t apply to puppies.
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# ? Nov 1, 2017 20:45 |
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Teeter posted:
In the comments the OP reasonably explains that they also added in a $1000 gift card for future purchase of supplies and food!
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# ? Nov 1, 2017 20:46 |
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Dick Nipples posted:Lol. Pound dogs are like $100-200 and that typically includes the initial vet report and shots. It's a dachshund-yorkie mix. A $2000 mutt without papers.
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# ? Nov 1, 2017 20:58 |
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Crust First posted:In the comments the OP reasonably explains that they also added in a $1000 gift card for future purchase of supplies and food! Hahaha so Petland conned them into paying 144% interest on $1,000 that they are then guaranteed to get over time? While this poster is a total idiot predatory sales tactics on the gullible should not be underestimated or tolerated.
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# ? Nov 1, 2017 21:09 |
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Teeter posted:https://www.reddit.com/r/personalfinance/comments/7a08cq/petland_screwed_me_over/ jbird2011 posted:He didn't allow me to view the contract. It was my mistake I took his word for it but he had me e-sign the agreement after telling me 174 a month...
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# ? Nov 1, 2017 21:20 |
I know a girl who has a similar screen name on some social media sites. Wonder if it’s the same person...
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# ? Nov 1, 2017 21:27 |
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Crust First posted:In the comments the OP reasonably explains that they also added in a $1000 gift card for future purchase of supplies and food! That reminds me of student loans I've had.
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# ? Nov 1, 2017 21:33 |
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TheLastManStanding posted:How do sign a contract that you can't see and not expect to get conned? Swindlers generally don't do that kinda thing to people they don't make for marks. The kind of dude that can be cajoled into getting cash back financing on a mutt can probably be easily be bullshitted and/or browbeaten into signing dumb things even if they read it.
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# ? Nov 1, 2017 22:03 |
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Especially if their SO is standing behind them head over heel in love with a puppy.
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# ? Nov 1, 2017 22:13 |
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Man, yall missed the best part: He bought that $9000 dog on an "around $30k" salary.
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# ? Nov 1, 2017 22:50 |
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# ? Jun 7, 2024 17:30 |
drat Bananas posted:Man, yall missed the best part: He bought that $9000 dog on an "around $30k" salary. Which really means ~$26k probably.
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# ? Nov 1, 2017 22:56 |